The Sunshine state is considered a no-fault insurance state. Which means that in an accident where one party hits another, their own car insurance will take care of the injury and whoever is at fault, their insurance would fix the other's car.
The Sunshine state is considered a no-fault insurance state. Which means that in an accident where one party hits another, their own car insurance will take care of the injury and whoever is at fault, their insurance would fix the other's car. The one who is at fault would have to have collision coverage on their vehicle to have it repaired. Florida has several different rules than other states, so pay attention to the differences if you are looking for car insurance quotes in Florida.
Who pays injuries?
Your medical expenses for you and your passengers will initially come out of your own policy's Personal Injury Protection (PIP). For additional funds, you will either need to rely on your personal medical insurance or you will need to sue an at-fault driver for additional payments if there are provisions for you to do so.
Keep this in mind when choosing your own liability coverage. Bodily Injury Liability (BIL) coverage on your car insurance quotes will be the maximum your company will pay out for anyone you injure. Don't jeopardize your assets to save a few dollars. Make sure you are adequately protected. If you can only afford the minimum on your car insurance quotes, increase it after six months.
If you are the victim of hit-and-run and you are injured, you will have your PIP coverage for your injuries. If you have included Uninsured Motorists (UM) protection on your car insurance quotes, this will give you an additional amount if you need it.
Who pays damages?
The at-fault party's insurance will pay out for damages. Since the minimum Property Damage Liability (PDL) is only $10,000, it should be increased whenever possible. Totaling a brand new Cadillac is going to cost you a stack of out-of-pocket money if that is all you have.
Collision coverage is what will pay to repair your car on your car insurance quotes in Florida. You will have to pay the deductible then the insurance will take care of the rest.
Don't avoid getting car insurance quotes in Florida; these simple steps will help you make the right decisions for your car and your protection needs.
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